Real Claim Case Insights

Insurance claims in India follow a structured process governed by policy wording,
regulatory timelines, and documentation standards.

Practical Claim Scenarios

Case 1: Fire Loss – Manufacturing Unit

Issue: Underinsurance risk identified during the claim process.

Intervention: Technical negotiation based on the reinstatement value clause.

Outcome: Settlement improved through structured documentation and effective representation.

Case 2: Marine Cargo Shortage

Issue: Transit delay and documentation gap

Intervention: Coordination between the transporter and insurer

Outcome: Partial repudiation reversed through structured representation, leading to successful claim reconsideration and improved settlement.

Case 3: D&O Liability Notice

Issue: Regulatory show-cause notice.

Intervention: Immediate claim intimation and coordination with legal advisors.

Outcome: Defense cost coverage successfully triggered under the policy.

SKD’s advisory expertise and claims support capability.